Fedmont Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.6 and a net worth ratio of 13.6. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Excellent liquidity 7.6, driven by a liquidity ratio of 86.7 percent and a “hot money” ratio of 5.2 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (30%), other (70%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
330 Eastdale Circle
Montgomery, AL 36117
Montgomery, AL 36117
Phone Number
(334) 270-5532
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Daleville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL